Compare Quotes from Top Providers and Save now!

Charleston, WV Home Values & Insurance Rates

Charleston, WV Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,573 12.0% $158
$50,000 to $59,999 619 4.0% $335
$60,000 to $69,999 681 5.0% $419
$70,000 to $79,999 673 5.0% $485
$80,000 to $89,999 727 5.0% $550
$90,000 to $99,999 704 5.0% $615
$100,000 to $124,999 1,411 10.0% $718
$125,000 to $149,999 1,087 8.0% $895
$150,000 to $174,999 1,245 9.0% $1063
$175,000 to $199,999 933 7.0% $1231
$200,000 to $249,999 1,374 10.0% $1474
$250,000 to $299,999 943 7.0% $1810
$300,000 to $399,999 1,095 8.0% $2295

Top Home Insurance Agents Near Charleston, WV

Home Insurance Company Near Charleston, WV Homeowners Insurance Agency Near Charleston, WV Address
Allstate Travis Foster 127 Goff Mountain Rd, Cross Lanes, WV, 25313
State Farm Tyler Courts 101 Court St N, Ripley, WV, 25271-1207
NA Evans-Moore Insurance Agency, Inc. 514 2Nd Ave , Gallipolis, OH, 45631
NA Crum Insurance 621 3Rd Ave Frnt , Chesapeake, OH, 45619
Travelers Peoples Insurance Agency Llc 101 FIFTH AVE, HUNTINGTON, WV, 25701

Estimated Home Insurance By Street Area Near Charleston, WV

Charleston Area Estimated House Insurance
Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr$896
Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St$923
Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr$927
Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd$930
Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave$933
E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr$885
Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr$908
Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr$900
Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr$898
Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd$952

Savings on home insurance for senior occupied homes

PlaceSavings
Charleston$139 to $142
South Charleston$136
Dunbar$134
Rand$131

Charleston, WV Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Charleston, WV6.7%21.0%
South Charleston7.84%22.1%
Dunbar8.26%25.17%
Rand9.19%33.26%

Charleston Renters Insurance as a Percentage of Rent

Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 496 5.0% $353
$200 to $299 611 7.0% $803
$300 to $499 1,364 15.0% $1253
$500 to $749 3,405 39.0% $1928
$750 to $999 1,750 20.0% $2678
$1,000 to $1,499 799 9.0% $3803
$1,500 or more 180 2.0% $5453

Charleston, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Charleston Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,500$11,000
Net Savings to Charleston Home Owner from High Deductible Plan $500

Charleston, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charleston, WV Home Replacement Value MORE than Home Value Charleston, WV Home Replacement Value LESS than Home Value
Replacement Value $105,500 $64,500
Insurance Premium based on Replacement Value $500 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmica Mutual Insurance CompanyGEICO Insurance
Monthly Premium 395545
Year Built 196419561977
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$125000-$150000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$500 Deductible

Charleston, WV Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
South Charleston city, West Virginia $136 $181 $272
Dunbar city, West Virginia $134 $179 $269
Rand CDP, West Virginia $131 $175 $263

Sample Home Insurance Rates for Charleston, WV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1959 180,000 Tile Roof 1,750 2 $500- $1000 Deductible 480 8 Brick siding yes
1968 170,000 Shingles Roof 1,740 2 $5000 to $10,000 Deductible 110 3 Vinyl siding No
1984 100,000 Asphalt Shingles Roof 1,360 2 $500- $1000 Deductible 110 3 Fiber-Cement Siding No
1974 130,000 Membrane Roof 1,260 2 $500 Deductible 340 9 Fiber-Cement Siding yes
1977 180,000 Asphalt Shingles Roof 2,010 4 $5000 to $10,000 Deductible 510 10 Stone Siding yes
1975 360,000 Composition Roof 4,250 5 $5000 to $10,000 Deductible 370 3 Wood siding yes
1988 95,000 Tile Roof 1,270 3 $1000-$2500 Deductible 110 3 Stone Siding yes
1947 195,000 Slate Shingles Roof 2,110 4 $500 Deductible 340 6 Brick siding No
1946 140,000 Wood Shake Roof 1,470 2 $1000-$2500 Deductible 80 2 Stone Siding No
1962 80,000 Metal Roof 1,010 2 $1000-$2500 Deductible 90 5 Vinyl siding yes
1957 310,000 Metal Roof 3,060 4 $500- $1000 Deductible 480 4 Stucco siding No
1952 120,000 Asphalt Shingles Roof 1,220 3 $1000-$2500 Deductible 40 1 Stone Siding yes
1945 235,000 Metal Roof 2,610 4 $1000-$2500 Deductible 760 8 Stucco siding No